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22 teacher pensions showed 18 company commanders, and were adjusted according to the 4% increase ratio.
What signals does the adjustment of pension and teacher pension in 2023 show?
The first signal, will the 19 consecutive rises be implemented?
If 2022 is based on the 18 consecutive increases, will the 19 consecutive increases in 2023 be implemented? This first aspect is based on the actual needs of pension adjustment. The second aspect is based on whether the pension is sufficiently supplemented in that year. In September 2021, the total amount of pension investment contracts was 1.25 trillion yuan, and the actual amount was 1.1 trillion yuan. If this scale continues to expand in 2022, it may be implemented for 19 years in 2023.
The second signal is that corporate pensions are coordinated nationwide. On the basis of national coordination of enterprise pensions, enterprise pensions and basic enterprise pensions have been independent of the pensions of government agencies, enterprise pensions and and institutions. After achieving national coordinated enterprise pensions, it will be conducive to the rapid increase in pensions in the following areas, including the old industrial base in Northeast China, Yunnan, Guizhou and Sichuan, and ethnic minority areas in old and old revolutionary areas, pensions can achieve rapid balance and stability. The funds required will be balanced by first-line developed regions such as Beijing, Shanghai, Guangzhou and Shenzhen.
The third signal, the signal of pension adjustment plan.
There is a clear trend in pension adjustment in 2023. On the basis of 2022, the practice of unified pension adjustment plan will be maintained. The plan will be released only from April to May next year, the adjustment will be in place in June, and the implementation will be in place in July, but it will insist on adjusting a pension plan system, adhering to one proportion, one time, and one scope. The purpose is to narrow the gap between civil servants and public institutions and enterprises.
The fourth signal, the 70-year-old people benefit more and more. The most important change in the signal revealed by the adjustment of pensions is that the 2022 plan clearly states that is regularly adjusted, quota adjustment, linkage adjustment, and appropriate tilt . As important content, especially linkage adjustment and appropriate tilt, clear boundaries and regulations have been made, appropriate tilt tilt, people over 70 years old, and appropriate tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt tilt
The fifth signal, the trend of the role of professional titles becoming increasingly weak is very obvious.
During the adjustment of the 18th company commander, we found that the role of professional titles is becoming increasingly weakened, and we increasingly emphasized that professional titles should not occupy more important factors in pension adjustment after retirement. This guiding principle only depends on the payment time of payment base enjoyment during the period of employment, the payment of annuity, the reissue of pensions of middle-aged people and the calculation of system payment years. The signal of weakening professional titles, especially weakening deputy senior titles, is becoming increasingly clear.
The sixth signal, the longer the payment period, the higher the payment ratio, the longer the payment time, and the more benefit it will be.
payment time exceeds 15 years, and the linkage adjustment is carried out according to one ratio. The payment period exceeds 30 years. The payment ratio is adjusted according to the second linkage ratio. The payment ratio is the most cost-effective principle. The retirement time is incentivized according to the principle that delaying retirement for 65 years is increasingly cost-effective. Simply put, even if the 19 consecutive increase is implemented, it will be motivated according to the basic principle of paying more and paying more and paying more and getting more. The purpose is to pay more fees to get more rewards.
The 7th signal, the coverage of enterprises' annuity for flexible employment personnel has been further expanded.
In addition to basic pension employee insurance, there are also a large number of flexible employment, with about 200 million people. Therefore, whether their flexible employment personnel purchase corporate annuities will directly affect whether their pension benefits after retirement can reach the national average of about 3,300 yuan in the future. With the development of pension insurance and social security funding, the most important issue in the future of further education should be to increase the coverage rate of occupational annuity and increase the annuity purchase rate of flexible employment personnel.
The 8th signal is that people with pensions below 5,000 yuan currently benefit more.
19 Company Commander will continue to implement the previous five-year pension adjustment principle and high-income insurance policy, and focus on paying more attention to the increase in income of low-income groups. This important direction is more important. People with pensions less than 5,000 yuan have the advantage of adjusting their pension ratio during the process of increasing pension. The principle of limiting high and maintaining lows has been implemented for many years, but the results are not good. During the adjustment process in 2023, further efforts may be strengthened to promote fairness and sustainable development.
The 9th signal is that the number of people with pensions exceeding 10,000 yuan is growing smaller and smaller.
controls high, expands medium, and improves low. The three principles are the most important basis for adjusting pension benefits.
So the two ranges below 5,000 yuan and above 10,000 yuan represent the adjustment of pension funds. One of the ceiling should reflect the ceiling effect and the other reflect the role of bottoming out. Therefore, high-income people with pensions exceeding 10,000 yuan, such as university professors, scientists, civil servants, teachers, doctors, and blue-collar technical talents with high titles, as well as talented and celebrities in the literary and art circles. Pensions will definitely maintain a slow increase on the basis of being too high, which will serve as an important trend and signal to control income balance.
The 10th signal, the proportion of retirement living allowances may have changed in new ways.
All elderly people over 70 years old, the standard for living allowance after retirement is to refer to the 70% performance salary standard for in-service personnel. Once the 19th company commander will implement it in 2023, the proportion and optimization of retirement allowance in pension will inevitably be increased.
Retirement living allowance is important, and the pension benefit adjustment system plays a buffer zone and a lubricant regulator. The most important thing is that retirement living allowance is a basic guarantee and fair role for all retired personnel. This advantage can only be magnified but not reduced.
2023 pension, especially teacher pension, how to adjust the origin? What signal is it? In addition to the predictions and changes in the above aspects, we can firmly believe that the pension benefits will still maintain a growth rate of between 1% and 4%.
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